I had an insurance cover of rs.10 lax with no claim bonus so nice 2013. I submitted my claim on 9th july 2018 for claim of rs.80, 276 for admission to fortis for accelerated hypertension. I had an asd operation more than 20 years back and during policy we just missed to state that point as it was a correction of congenital defect. My echo and ecg reports showed no major anomalies.in spite of knowing the asd fact as your company refused cashless service on 5th may 2018, the policy was renewed again in june 27th, 2018 for 2 years till 26th june 2020. After accepting my premium of rs.43, 204 it asked again for 2d echo report for settlement of claim which had no issues related to heart and i did 2d echo and submitted the report after consulting an md doctor which showed no anomalies. It is surprising that a letter was sent to me stating denial of claim and on top of that cancelled my policy of rs.10 lacks on a flimsy ground and at the same time denied refund of the amount paid for the 2 years i. E.2018june-26th june 2020.
It is pertinent to state that i am 54 years old and cancelling my policy of more than 5 years is causing immense tension and i have hypertension and this might take a toll on my health as it is difficult to get a new health policy which i continued for more than 5 years. Was this information helpful? | 
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